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under elizabeth warren. elizabeth warren is the person generally credited with coming up with the idea of the cfpb and encourage the president to set up the agency. he did not choose her for the job. he did choose richard cordray in a sort of contentious appointment at the beginning of this yearhe this has been running it ever since. host: explain one thing for us. it reads that -- that's a reference to the fact that it's fairly new. i want to show you a clip from a house hearing last week where congressman japan's ruling question the credibility of the new agency. [video clip] >> you came before us six months ago as an unlawful appointee and six months later nothing has changed. dodd-frank has made you a very powerful appointee, but it has not made you a legitimate appointee, and it has not made you accountable. it is certainly not personal to you. but as long as this big legal cloud hangs over you and your agency, your credibility and efficacy of both you and your agency are compromised. >> i would say you have a tremendous credibility, particularly with college students you are help
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